Any injury, illness, or irregularity noticed by you or your veterinarian before the end of your waiting period, even if your pet never went to see the vet for it.

This includes conditions that are symptomatic or diagnosed before your policy started and through the waiting periods.

No pet insurance company covers pre-existing conditions; however, pre-existing conditions will never prevent you from obtaining a policy with Embrace because we can still cover anything new or unrelated. Embrace also differentiates between curable and incurable conditions.

Embrace is one of the few companies that distinguishes between curable and incurable pre-existing conditions.

Conditions that are temporary and are eligible for coverage once your pet is symptom- and treatment-free for 12 consecutive months from the date of the last episode.

Examples of curable pre-existing conditions include:

Conditions that cannot be cured, are reoccurring, or are considered chronic conditions are permanently excluded from coverage if they were symptomatic or diagnosed prior to the end of the waiting periods.

Examples of incurable pre-existing conditions include:

You can request a medical history review for your pet after purchasing a policy.

If you have any questions about pre-existing conditions, please contact us.